Who Are the Core Customers of Bank Of Chengdu Company?

Bank of Chengdu core customers include Local Government Financing Vehicles and State-Owned Enterprises funding Western China urbanization; these clients drive large, long-tenor project lending and historically anchor the bank's corporate portfolio.

SME clients Bank of Chengdu, especially in Chengdu Hi – Tech Zone high – tech manufacturing and electronic information, now form a growing part of the loan book; Specialized and Sophisticated SMEs account for an expanding share of corporate lending, which has historically been over 70% of total lending.

Bank of Chengdu serves a mixed customer base: institutional and corporate clients for commercial banking and retail customers for deposit, mortgage, and wealth services; this mix shapes product design, risk appetite, and branch versus digital channel strategy.

Corporate clients remain most commercially important in 2025/2026 due to project finance for urbanization and a corporate loan book share historically above 70%; meanwhile retail customers (over 10 million) provide stable deposits and fee income growth as mass – affluent segments expand - see Mission, Vision, and Values of Bank Of Chengdu Company for related positioning.

The Twin-City corridor (Chengdu plus nearby satellite cities) is the primary market for Bank of Chengdu customer segments because infrastructure spending and relocations from coastal provinces have clustered manufacturing and services there, creating concentrated demand for corporate clients Bank of Chengdu and SME clients Bank of Chengdu.

Geographic expansion into Chongqing and Xi'an produces meaningful demand pockets, especially for commercial banking client profiles tied to logistics and regional supply chains, but these remain secondary to Chengdu's core client base.

Bank of Chengdu appears strongest in retail banking customer characteristics and small business banking clients profile within Chengdu-high branch density, strong deposit market share, and tailored SME lending products drive most revenue and usage.

For 2025-2026, credit demand surged by 18% from the green energy supply chain-lithium-ion battery and photovoltaic equipment firms in the Sichuan basin-and mobile banking transactions rose 22% year-over-year as Bank of Chengdu digital banking user demographics shift toward contactless wealth management and consumer credit services. See Product Model of Bank Of Chengdu Company for related context: Product Model of Bank Of Chengdu Company

Bank of Chengdu core customers now include suppliers to large state-owned enterprises through supply chain finance, capturing higher-yield SME clients with lower credit risk via invoice-backed lending and receivable discounts.

Keeping about 80% of business in Sichuan maintains the Bank of Chengdu customer segments' informational advantage; close branch coverage and relationship banking limit adverse selection and support low NPLs.

Cross-selling retail customers Bank of Chengdu products and converting SME clients into ecosystem participants increases stickiness; repeat invoice financing and working-capital renewals create predictable fee income.

The strongest growth lever in 2025/2026 is supply chain finance supporting corporate clients Bank of Chengdu serves; this drives SME client acquisition while keeping risk metrics healthy-NPLs remained below 0.78% into 2026 versus a higher national commercial bank average.